Loan Calculator
Loan Repayment Calculator South Africa
Last updated: March 2026
Estimate monthly repayments for personal and vehicle loans using standard amortization, including optional monthly service fees.
Calculator Inputs
Loan Results
- Loan amount
- R 250,000.00
- Monthly repayment (excl fee)
- R 5,561.11
- Monthly fee
- R 0.00
- Monthly repayment (incl fee)
- R 5,561.11
- Total interest
- R 83,666.72
- Total monthly fees
- R 0.00
- Total cost
- R 333,666.72
- Term
- 60 months
View first 12 months of amortization
| Month | Payment | Principal | Interest | Fee | Balance |
|---|---|---|---|---|---|
| 1 | R 5,561.11 | R 3,061.11 | R 2,500.00 | R 0.00 | R 246,938.89 |
| 2 | R 5,561.11 | R 3,091.72 | R 2,469.39 | R 0.00 | R 243,847.17 |
| 3 | R 5,561.11 | R 3,122.64 | R 2,438.47 | R 0.00 | R 240,724.52 |
| 4 | R 5,561.11 | R 3,153.87 | R 2,407.25 | R 0.00 | R 237,570.66 |
| 5 | R 5,561.11 | R 3,185.41 | R 2,375.71 | R 0.00 | R 234,385.25 |
| 6 | R 5,561.11 | R 3,217.26 | R 2,343.85 | R 0.00 | R 231,167.99 |
| 7 | R 5,561.11 | R 3,249.43 | R 2,311.68 | R 0.00 | R 227,918.56 |
| 8 | R 5,561.11 | R 3,281.93 | R 2,279.19 | R 0.00 | R 224,636.64 |
| 9 | R 5,561.11 | R 3,314.75 | R 2,246.37 | R 0.00 | R 221,321.89 |
| 10 | R 5,561.11 | R 3,347.89 | R 2,213.22 | R 0.00 | R 217,974.00 |
| 11 | R 5,561.11 | R 3,381.37 | R 2,179.74 | R 0.00 | R 214,592.62 |
| 12 | R 5,561.11 | R 3,415.19 | R 2,145.93 | R 0.00 | R 211,177.44 |
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